This is exactly where the major problem is for us and for any other entity trying to offer these kinds of fintech services. With regard to real-time settlement, bank-to-bank settlement, there's no clear direction where to go or to whom you go to get this. You have to go to the banks one-on-one and then set up your own system in order to get something on there. It's not really clear, especially with no open banking regulations established in the country. This is the biggest challenge on that front.
